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Montana Capital Car Title Loans
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Moneytree in Las Vegas, NV
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Moneytree is a Nevada-based lender offering payday loans up to $5,000, installment loans, title loans, and check cashing services with same-day funding options.
Data compiled from public sources
Moneytree Review
Moneytree is an established consumer finance company operating physical branches in Nevada, including the Las Vegas Windmill Lane location. The company specializes in short-term emergency lending products designed for consumers who are researching short-term cash access. With a 4.9-star rating at their Las Vegas branch, Moneytree has built a presence serving Nevada residents seeking quick funding solutions.
Moneytree offers payday loans up to $5,000 with a flat fee of $16.50 per $100 borrowed (430.18% APR on a 14-day loan), installment loans ranging from $50 to $5,000 with flexible repayment terms, title loans using vehicle collateral, signature loans, check cashing services (consumer and business checks), prepaid cards, and wire transfers. Funds can be received in cash, via ACH transfer to a bank account, or through Instant Funding deposited to qualified debit cards within approximately 30-45 minutes.
Moneytree distinguishes itself through multiple funding delivery methods, including rapid Instant Funding to debit cards, extended branch hours (8 AM to 8 PM on weekdays, 9 AM to 7 PM Saturday), and a straightforward fee structure with no hidden charges on payday loans. The company operates under Nevada Revised Statute Chapter 604A regulations and does not lend to covered borrowers under the Military Lending Act, indicating compliance with federal lending restrictions.
Honestly assessed, Moneytree is a high-cost emergency lender best suited for genuine short-term cash needs only. The 430% APR on payday loans is exceptionally expensive, and the company's own customer notice warns against using these products as long-term financial solutions. Borrowers should exhaust all alternatives and seek credit counseling before using Moneytree's services, as the cost of borrowing is substantial and designed to be repaid quickly.
Services & Features
ACH bank account transfers
Business check cashing
Cash disbursement
Check cashing (consumer checks)
Installment loans from $50-$5,000 with flexible multi-payment terms
Instant Funding to qualified debit cards (30-45 minute processing)
Online loan applications
Payday loans up to $5,000 with $16.50 per $100 borrowed fee
Prepaid cards
Signature loans
Title loans using vehicle collateral
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- listed funding timing available through Instant Funding to qualified debit cards (30-45 minutes processing)
- Flexible loan amounts from $50-$5,000 depending on product type
- Multiple funding delivery methods: cash, ACH transfer, or instant debit card deposit
- Extended weekday hours (8 AM-8 PM) and Saturday availability (9 AM-7 PM)
- listed flat-fee pricing structure with no hidden charges ($16.50 per $100 on payday loans)
- Additional financial services beyond loans: check cashing, wire transfers, prepaid cards
- 4.9-star customer rating at the Las Vegas Windmill Lane location
- Installment loans offer longer repayment terms as alternative to single-payment payday loans
Cons
- Payday loans carry an extremely high APR of 430.18% on a 14-day term, making them one of the most expensive borrowing options available
- Borrowing is restricted by Nevada state database tracking of borrower activity with Moneytree and other licensed lenders, potentially limiting repeat access
- Company's own customer notice warns that these products should not be used as long-term solutions, indicating structural unsuitainability for ongoing financial needs
- Instant Funding not available for all debit cards and subject to processing delays beyond Moneytree's control
- Requires proof of income, open checking account, and valid ID—may exclude unbanked or recently unemployed consumers
Compare Personal Loan Options
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in Las Vegas, NV. It does not confirm that Moneytree or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Payday loan rules in Nevada
Status: Permitted
Rate context: No APR cap; rates can exceed 600% APR
Amount context: $25% of borrower's expected gross monthly income
Term context: 35 days
Regulated under Nev. Rev. Stat. § 604A.200-604A.215 (Deferred Deposit Loan Law); lenders must be licensed; loans capped at 25% of gross monthly income with maximum 35-day term; rollovers and extensions allowed but subject to income limits
Installment loan rules in Nevada
Status: Permitted
Rate context: No general usury cap; rates negotiated between lender and borrower
Installment loans are permitted; lenders making installment loans of $2,500 or more must be licensed under Nev. Rev. Stat. § 604A; Truth in Lending Act (TILA) and Regulation Z disclosures apply to federally-regulated lenders
Key state rules to check
- Payday loans capped at 25% of borrower's expected gross monthly income.
- No APR cap on payday loans; rates can exceed 600% APR.
- Maximum loan term is 35 days.
Complaint resources
- Nevada Financial Institutions Division - State Regulator
- Nevada Attorney General Bureau of Consumer Protection - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Moneytree offer?
Moneytree offers 12 services including Payday loans up to $5,000 with $16.50 per $100 borrowed fee, Installment loans from $50-$5,000 with flexible multi-payment terms, Title loans using vehicle collateral, Signature loans, Check cashing (consumer checks), and 7 more.
What profile signals are listed for Moneytree?
Moneytree has profile signals associated with Employed individuals with immediate unexpected expenses (medical emergencies, car repairs) who can repay within 14 days, Nevada residents needing quick access to small amounts of cash ($100-$500) as a last resort before payday, Consumers who need check cashing or wire transfer services and want to explore loan options at the same location, Borrowers preferring installment loans over payday loans to spread repayment over multiple months.
What are the strengths and weaknesses of Moneytree?
Key strengths: listed funding timing available through Instant Funding to qualified debit cards (30-45 minutes processing); Flexible loan amounts from $50-$5,000 depending on product type; Multiple funding delivery methods: cash, ACH transfer, or instant debit card deposit. Areas to consider: Payday loans carry an extremely high APR of 430.18% on a 14-day term, making them one of the most expensive borrowing options available; Borrowing is restricted by Nevada state database tracking of borrower activity with Moneytree and other licensed lenders, potentially limiting repeat access.
How does Moneytree compare to similar companies?
In the Emergency Cash category, comparable providers include Montana Capital Car Title Loans, Swift Title Loans, MVP Car Title Loan. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 8164 S Las Vegas Blvd Suite 104, Las Vegas, NV 89123
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Moneytree
Moneytree is appropriate only for Nevada residents facing genuine short-term emergencies who have stable income and can repay within 14-90 days. The critical caveat is that payday loans at 430% APR are among the most expensive consumer debt available; borrowers should exhaust all alternatives (credit unions, credit card advances, family loans, non-profit assistance) and seek credit counseling before using Moneytree's products.
Profile Signals
- Employed individuals with immediate unexpected expenses (medical emergencies, car repairs) who can repay within 14 days
- Nevada residents needing quick access to small amounts of cash ($100-$500) as a last resort before payday
- Consumers who need check cashing or wire transfer services and want to explore loan options at the same location
- Borrowers preferring installment loans over payday loans to spread repayment over multiple months
Updated 2026-04-29
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Quick Summary
- Moneytree is listed as a Emergency Cash provider in Las Vegas, NV on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
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Financial Wellness Guides
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A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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